Color: #059669;">zero fees</strong> to our customers. The amount shown in your quote is the net amount you will receive.
Nothing is deducted from it. You pay nothing out of pocket, and there are no hidden charges or surprise fees.
Some companies may charge fees, but at Smarter Payouts. Customers receive the full quoted amount with zero fees.
In California, this process must comply with the state's structured settlement protection act, Cal. Insurance Code §§ 10134–10139. 5, which establishes specific requirements for court authorization, Sharing info mandates. And transfer Steps that protect California residents throughout the process.
How California law applies
The California structured settlement protection act (Cal. Insurance Code §§ 10134–10139.5), enacted 2000 (amended 2013), requires court authorization and sets disclosure and transfer rules. Key provisions include Court approval required for all transfers, Written disclosure of terms and fees to payee, 10-day cooling-off period after contract execution.
Beyond that, California's courts review your financial situation, whether the transfer is necessary and fair, and that you received independent advice. See California structured settlement laws for full requirements.
California specific answer
Moreover, the answer to "Are there any fees?" in California depends on this framework. Petition filed in superior court; court considers best interest of payee and dependents, financial needs, and advice received.
Use our structured settlement calculator for a quick estimate, then work with professionals familiar with California procedures.
How this works in California
Start with a valuation from a buyer that understands California's rules. The court reviews your petition under Cal. Insurance Code §§ 10134–10139.5 to confirm the transfer serves your best interest.
After court authorization, funding often arrives within 24-72 hours. From first valuation through funding, many cases fall in the 30-45 day range in California, depending on the court calendar. Read our Costs guide for more detail.
Neighboring states
Requirements differ by state; compare with nearby guides:
Related guides
For court rules and timelines, see court approval and how fast you can get your money. Browse the structured settlement info hub and state laws overview. Estimate value on the calculator before you speak with a specialist.